A team of expert financial managers

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Entering the property market is no easy feat for a first homebuyer, but even parents who aren't prepared to hand over cash for a deposit may help by being a guarantor on a loan. Before taking the plunge however, it's crucial to be aware of the implications involved. Here are three questions to ask yourself to see if a family guarantee is right for you: read more

Pre-approval is a lender's assessment of your likelihood of being approved for an otherwise suitable loan. The appraisal is made on the basis of your ability to service a loan by looking into your living expenses and liabilities, your credit history, your employment circumstances and how often you have moved home or employment in the recent past. read more

Profile

Michael Kelly

I was with the Commonwealth Bank of Australia for 12 years before joining RFS Finance in March 2003. As 2iC my role balances the training needs for the Finance Managers, the running of the business as well as maintaining & growing a loyal group of customers, while being the focal contact with many Accountants.

I have experience in Residential, Personal, Business and Company Finance for Business Loans, Mortgages and Equipment Finance including Leasing, Hire Purchase as well as Chattel Mortgages.

Coupled with an extensive business background and a customer focus which includes good interpersonal skills, I can help you minimise your mortgage with options on investment loans and debt consolidation. I also am able to assist overseas borrowers and Australians abroad with their property finance needs.

My vision for the future of RFS is to use my experience in mainstream, non-conforming and securitised lending to offer you invaluable insight into the Australian home-lending market as well as Equipment Finance.

Michael has helped us out on a few occasions. He takes the time to understand our monetary needs and works hard to find the best deal for us. He is very punctual and is very good at keeping us updated - even when the update is that there is no update. I would happily recommend him to a friend!

Bradley

ABOUT US

RFS is a financial services company, offering a breadth and depth of financial products, including Finance Broking and Credit related services, Risk Insurance, Financial Planning and Superannuation. At RFS, our team are ... read more